Dental Blue 65
Dental Blue? 65
Outline of Coverage
Policy Number: DENT SR (1?1?2012) "Read your subscriber certificate carefully. This disclosure statement is a very brief summary of your dental plan. The plan itself sets forth the rights and obligations of both you and the insurance company. It is, therefore, important that you read your subscriber certificate carefully."
Eligibility Requirements
? Age 65 or older ? Resident of Massachusetts
Dental Blue 65 Preventive Dental Blue 65 Basic Dental Blue 65 Premier Effective January 1, 2017
Blue Cross and Blue Shield of Massachusetts, Inc. 101 Huntington Avenue, Suite 1300 Boston, MA 02199-7611
Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association
We know that good oral health is important to you, and we understand that dental costs can add up. From diabetes to heart disease and cholesterol levels, dental care may impact your total health and wellbeing. Regular dental checkups help protect your smile, make you look and feel better, and prevent problems down the road. Outlined in this document is a detailed description and summary of benefits for Dental Blue 65 Preventive, Dental Blue 65 Basic, and Dental Blue 65 Premier, offered by Blue Cross Blue Shield of Massachusetts.
We offer paperless billing for your dental premiums through eBill.
This easy-to-use tool allows you to view your statement and make premium payments online. You also have an auto-draft option, where we set up an automatic withdrawal of premiums directly from your bank account on each due date. Once you receive an initial paper invoice, register for eBill at .
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Your Dentist
Dental Blue 65 offers an extensive network of over 10,000 dentists within Massachusetts, New Hampshire, and Rhode Island. Dentists who participate with Blue Cross Blue Shield of Rhode Island and out-of-area dentists who participate in our National network of dentists are also available to Dental Blue members. If you already have a dentist and want to know if he or she participates with Blue Cross Blue Shield of Massachusetts, you may call the dentist, refer to the most current dental provider directory, or call Member Service at the toll-free number on your Dental Blue 65 ID card. If you would like help choosing a dentist, you may call the Physician Selection Service at 1-800-821-1388. You may also access the online dental provider directory at .
Coverage Begins
Your coverage will be effective the first of the month following the month we receive your application.
If You Have to File a Claim
Network dentists will send claims to Blue Cross Blue Shield of Massachusetts for you. Just show them your Dental Blue 65 ID card. The payment will be sent directly to your dentist. If you receive care from a non-network dentist, you may have to submit the claim yourself. If you file, send the Attending Dentist's Statement form with the original itemized bills. Any benefit payment will be sent to you. You can get a copy of the Attending Dentist's Statement form from Member Service. Any claims that you file should be sent to Blue Cross Blue Shield of Massachusetts, P.O. Box 986030, Boston, MA 02298. All member-submitted claims must be received within two years of the date of service. The Blue Cross Blue Shield Grievance Program is fully described in the subscriber certificate.
Other Information
Coordination of benefits (COB) applies to plan m embers who are covered by another plan for health care expenses. COB ensures that payments from all health care plans do not exceed the total charges billed for covered services. Your subscriber certificate has a subrogation clause. This does not affect the scope of benefits. This clause allows claim payments to be retracted when a member recovers p ayment for the same charges from a third party due to liability for injury.
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Dental Blue 65 Preventive
Monthly Premium January 1, 2017?December 31, 2017: $24.40
Services & Benefits Your covered services include:
One complete initial oral exam, including initial dental history and charting of the teeth and supporting structures
Full mouth X-rays, seven or more films, or panoramic X-ray with bitewing X-rays once every 60 months
Bitewing X-rays once every six months
Single-tooth X-rays as needed
Study models and casts used in planning treatment once every 60 months
Periodic or routine oral exams once every six months
Emergency exams
Routine cleaning, scaling, and polishing of the teeth once every six months
Co-insurance, Annual Deductible, and Annual Maximum
This dental plan provides full benefits based on the allowed charge for participating providers. There are no annual deductibles and no annual plan maximums.
Waiting Periods and Pre-existing Condition Limitations
Your dental services will be covered from your effective date of this dental plan without a waiting period or pre-existing condition restrictions.
Exclusions and Limitations Services limited by frequency include but are not limited to:
X-rays Exams Cleanings Please review your dental policy for a full listing of limitations and exclusions.
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Dental Blue 65 Basic
Monthly Premium January 1, 2017?December 31, 2017: $37.60
Services & Benefits Your covered services include:
100% coverage for all services covered under Dental Blue 65 Preventive, plus 50% coverage for:
Restorative Services Amalgam (silver) fillings (limited to one filling for each tooth surface in each 12 months) Composite resin (tooth color) fillings on teeth (limited to one filling per tooth surface in each 12 months) Pin retention for fillings
Oral Surgery Tooth extractions, root removal, and biopsies
Peridontics (Gum and Bone) Periodontal scaling and root planning, once in each quadrant each 24 months Periodontal surgery (soft-and hard-tissue surgeries), once in each quadrant each 36 months Periodontal maintenance following active periodontal therapy, once each three months
Endodontics (Root and Pulp) Root canal therapy on permanent teeth, once per lifetime for each tooth Retreatment root canal therapy on permanent teeth, once in a lifetime for each tooth Other endodontic surgery intended to treat or remove the dental root
Prosthetic Maintenance Repair of partial or complete dentures, crowns, and bridges, once each 12 months Adding teeth to existing partial or complete dentures Rebase or reline dentures, once each 36 months Recementing of crowns, inlays, onlays, and fixed bridgework, once each 12 months
Other Covered Services Occlusal adjustment, once each 24 months Services to treat root sensitivity General anesthesia when administered in conjunction with covered surgical services Emergency dental treatment to relieve acute pain Emergency dental treatment to control a dental condition that requires immediate care to prevent permanent harm to the member
Co-insurance, Annual Deductible, and Annual Maximum This dental plan provides
100% coverage for all preventative services
50% coverage for services outlined in the plan's Services & Benefits section above
Coverage is based on the allowed charge for participating providers.
There is a $100 annual deductible and $1,000 calendar-year maximum.
Waiting Periods and Pre-existing Condition Limitations Your dental services will be covered from your effective date of this dental plan without a waiting period or pre-existing condition restrictions for all preventive services. For services that fall outside of preventive, a six-month waiting period from the effective date is required.
Exclusions and Limitations Certain services may be limited or excluded from this plan. These services may include:
Fillings on tooth surfaces where a sealant was applied within the prior 12 months Replacement of a filling within 12 months of the date of prior restoration A service, supply, procedure, or appliance to stabilize teeth when it is due to periodontal disease Please review your dental policy for a full listing of limitations and exclusions.
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Dental Blue 65 Premier
Monthly Premium
January 1, 2017?December 31, 2017: $59.10
Service & Benefits
Your covered services include: 100% coverage for all services covered under Dental Blue 65 Preventive, plus 80% coverage for all services covered under Dental Blue 65 Basic, plus 50% coverage for:
Prosthodontics (Tooth Replacement) Complete or partial dentures, including services to fabricate, measure, fit, and adjust them once each 60 months for each arch Fixed bridges, including services to fabricate, measure, fit, and adjust them once each 60 months per tooth Replacement of dentures and bridges, but only when they are installed at least 60 months after the initial placement, and only if the existing appliance cannot be made serviceable Adding teeth to an existing bridge Temporary partial dentures to replace any of the six upper or lower front teeth, but only if they are installed immediately following the loss of teeth and during the period of healing
Major Restorative Services (Crowns, Inlays, Onlays) Crowns once each 60 months for each tooth Metallic, porcelain, and composite resin inlays and onlays once every 60 months per tooth Surgical placement of dental implant once per tooth per lifetime Replacement of crowns once every 60 months for each tooth Replacement of metallic, porcelain, and composite resin inlays and onlays once every 60 months Post and core or crown build up once every 60 months per tooth
Co-insurance, Annual Deductible, and Annual Maximum
This dental plan provides: 100% coverage for all preventative services 80% coverage for minor restorative services, oral surgery, periodontics, endodontics, prosthetic maintenance, and other services originally covered by Dental Blue 65 Basic 50% coverage for major restorative services, prostheodontics/tooth replacements, crowns, inlays, onlays, dental implants and other services outlined in the plan's Services & Benefits section above
Benefits are based on the allowed charge for participating providers.
There is a $50 annual deductible and $1,000 calendar-year maximum.
Waiting Periods and Pre-existing Condition Limitations
Your dental services will be covered from your effective date of this dental plan without a waiting period or pre-existing condition restrictions for all preventive services.
For services that fall outside of preventive, a 6-month waiting period from the effective date is required for minor restorative services, and a 12-month waiting period from the effective date is required for major restorative services.
Exclusions and Limitations
Certain services may be limited or excluded from this plan. These services may include:
Fillings on tooth surfaces where a sealant was applied within the prior 12 months Replacement of a filling within 12 months of the date of prior restoration Duplicate dentures or bridges Cast restorations, copings, or attachments for installing overdentures, including associated endodontic procedures such as root canals, precision attachments, or semiprecision attachments
Please review your dental policy for a full listing of limitations and exclusions.
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Renewal and Premium Changes
Continuing Your Dental Coverage
You have the right to continue this dental plan as long as you pay your premiums for this dental plan on time, you do not make a material misrepresentation to Blue Cross Blue Shield of Massachusetts, you continue to reside in Massachusetts, and Blue Cross Blue Shield of Massachusetts continues to offer this coverage.
Right to Change Premium
Your dental premium for this dental plan may change. Blue Cross Blue Shield of Massachusetts will send you a notice at least 60 days before a change is effective. The notice will describe the change and tell you when it is effective. These changes will apply to all dental plans of this type, not just your dental plan.
Allowed Charge
Blue Cross Blue Shield of Massachusetts calculates payment of your benefits based on the allowed charge. The allowed charge that Blue Cross Blue Shield of Massachusetts uses depends on the type of dental provider that furnishes the covered service to you.
Participating Dentists
For covered services furnished by dentists who have a written payment agreement to furnish dental services to members enrolled in a Dental Blue plan, Blue Cross Blue Shield of Massachusetts calculates your benefits based on the provisions of the participating dentist's payment agreement and the participating dentist's contracted rate that is in effect at the time a covered service is furnished.
This contracted rate is referred to as the dentist's allowed charge. In most cases, you do not have to pay the amount of the participating dentist's actual charge that is in excess
of the allowed charge. However, there are certain situations when you will have to pay the difference between the claim payment and the participating dentist's actual charge.
NonParticipating Dentists
For covered services furnished by nonparticipating dentists, Blue Cross Blue Shield of Massachusetts calculates your benefits based on the usual and customary charge for covered services. The term "usual and customary" means the amount allowed (also referred to as the "allowed charge") for a service in a geographic area based on the payment levels usually accepted by dentists in the area for the same or similar service. The usual and customary charge may sometimes be less than the dentist's actual charge. If this is the case, you will be responsible for the amount of the dentist's actual charge that is in excess of the usual and customary charge. Please see your certificate to determine what services are covered by non-participating dentists.
Notice of Right to Examine Subscriber Certificate for 10 Days
If you are a newly enrolled subscriber in this dental plan, you have 10 days from the date you received this subscriber certificate to review it. If you are not satisfied for any reason, you have the right to return the subscriber certificate within 10 days and have your premium refunded to you.
Complaints
If you have a complaint, please call Member Service at 1-800-258-2226. (TTY: 711)
If the you are not satisfied, you may call the Massachusetts Division of Insurance at 1-617-521-7777 (Boston) or 1-413-785-5526 (Springfield).
Important: In the event of any inconsistency between this outline of coverage and the subscriber certificate, the terms of the subscriber certificate will govern.
Limitations and Exclusions. These pages summarize the benefits of your dental care plan. Your plan description and riders define the full terms and conditions. Should any questions arise concerning benefits, the plan description and riders will govern. For a complete list of limitations and exclusions, refer to your plan description and riders.
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